Home Insurance in Hartsville, South Carolina
With a median home value of $205,600, Hartsville is 30% higher than the Darlington County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hartsville was built around 1978. About 34% of homes were built before 1960, about 16 points above Darlington County's 18%.
In Hartsville, the housing stock is 77% single-family homes, 14% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Hartsville, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Hartsville are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hartsville - 83% - are primarily heated with electricity.
Darlington County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Darlington County had 102 active NFIP flood policies as of September 2026. See the full Darlington County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in South Carolina is $1,753 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $205,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Darlington County | 102 |
| Home insurance premium | $1,753 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)